Personal Finance Calculators
Mortgage, DTI, emergency fund, 401(k), fuel costs, and rent vs buy — educational, not advice.
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Mortgage Calculator
Estimate monthly principal & interest, escrow, total interest, and payoff impact from extra payments.
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Bi-weekly vs Monthly Mortgage
Compare monthly vs bi-weekly mortgage payments and total interest saved.
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Rent vs Buy Calculator
Compare total rent cost to estimated net ownership cost over a planning horizon — maintenance and appreciation included.
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Debt-to-Income Calculator
Estimate front-end (housing) and back-end (all debts) DTI ratios against common mortgage guidelines.
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Emergency Fund Calculator
Calculate emergency fund target from monthly expenses — 3-, 6-, or 12-month coverage, current gap, and timeline with monthly savings.
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401(k) Contribution Calculator
See annual 401(k) contributions, employer match, and remaining IRS room.
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Credit Card Payoff Calculator
Enter your balance, interest rate, and monthly payment — see payoff time, total interest, and how much you save compared with paying only the minimum.
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Personal Loan Calculator
Standard amortizing loan payment for personal, auto, or consolidation loans — compare APR before stretching term.
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Savings Goal Calculator
See how long it takes to reach a savings target with monthly contributions and a hypothetical annual return.
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Compound Growth Simulator
Simulate compound returns over years with optional monthly contributions — year-by-year balance table.
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Fuel Cost Trip Calculator
Estimate gallons and total fuel cost for a trip; round-trip toggle included.
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Tip Calculator
Calculate tip amount, total, and per-person split for dining out.
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